Plumas Bancorp Q4 net income rises to $10.9M; full-year EPS dips to $4.54 on merger costs

PLUMAS BANCORP

2025-FY EPS reported $4.54

Q4 2025 net income $10.9M ($1.58 diluted EPS) vs $7.7M ($1.29) a year ago; annualized ROAA 1.93%.
Full-year 2025 net income $29.6M ($4.54 diluted EPS) vs $28.6M ($4.80) in 2024; ROAA fell to 1.52% from 1.74%.
Acquired Cornerstone Community Bancorp Jul 1, 2025: $658M assets, $478M loans, $580M deposits; merger costs $7.3M pre-tax.
Nonperforming loans surged to $15.1M from $4.1M, driven by one $9.8M agricultural relationship; NPA ratio rose to 0.68%.
Net interest margin improved to 5.00% in Q4 from 4.90%; book value per share up 24% to $37.52.

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